Peter, Just a short return. I have some doubts on the business model as expressed by for example MS for their SmartPhone. NTT DoCoMo is very much like the French MiniTel, it works as long as you stay within its fences. The question is if the users in Europe and the US are prepared to settle on this kind of "walled garden"?
We can just sit down and watch "the battle of the business models" and hope that no real blood will flow, only our money! :-) It will though take some five years or so before we really know as currently most of this is just pure speculation. Anders ----- Original Message ----- From: Peter Williams To: [EMAIL PROTECTED] Sent: Friday, October 31, 2003 17:49 Subject: Re: [Muscle] On-line signature standards You are quite right, Anders, on the motivations of banks and telco to never get along. For example, GSM already has a fully complete, end-end security service fully deployed, with full security roaming, rekey per network etc. The banks rejected it, because of the transaction-fee model imposed by a certain Finnish telecom operator, who got it all designed and working, universally. I think we have a technology change however. The handset companies are determined to sell media content, VoIP, and download applications (beyond ring tones). Content is now big business, with large dollars already attached. Handset companies are motivated (as are folk making handset operating systems....MS) NTT DoCoMo proved the business model for the telco operators: provide content, people will browse, using up their packet allocations on browing compelling content offers (fees..). Wireless Telcos are motivated: with GPRS finally rolling out in the US, we can get beyond the WAP debacle. With the opening up of the SIM as a technological platform, I suspect the former politics will go away. Controlling the SIM;s content will no longer influence market share wars within the competitive telco space - the motivation for controlling the SIM so much, today. The US banks? Yes US banks have an incestuous capability to destroy any security initiative, on account of the industries own strange competitive makeup and alliances. This is why you always go around them, providing you can ensure it costs them nothing to catch up and earn, once the infrastructure is working. You can be sure that as payment transaction market saturates, you can always break one bank away to sell a few payment services for new markets. If there is then growth, the other banks will come running soon enough, standards papers left flying in the back draft. US retail banks are driven by two simple metrics: (a) their share of the payment transaction volume in new markets, (b) how many of those new markets they have an early lock on. I need to get back to work, now. Less Marketing, more Programming. Peter. >From: "Anders Rundgren" >Reply-To: [EMAIL PROTECTED] >To: >Subject: Re: [Muscle] On-line signature standards >Date: Fri, 31 Oct 2003 15:28:07 +0100 > > >Peter Williams [EMAIL PROTECTED] wrote: > > >With Phillips now shipping the low-power > >802.11b chips for use in GSM handsets, you will > >soon see the SIM chip of your phone authenticating > >to merchant terminals much as we now authenticate by presenting > >a ICC on a plastic carrier to a swipe/smartcard reader. (IE. > >finally we will have broken the smartcard US adoption barrrier: > >removal of the cost of the consumer reader!) > >The last line I support 100%, the lines above I am less certain >about as the SIM has one huge drawback: It is "owned" by an >operator who do not generally like the idea to share the SIM >with other issuers of identities like banks. It seems that this >is point where the mobile phone industry get stuck and fail to get >their act together. > > > >Anders >_______________________________________________ >Muscle mailing list >[EMAIL PROTECTED] >http://lists.musclecard.com/mailman/listinfo/muscle Cheer a special someone with a fun Halloween eCard from American Greetings! _______________________________________________ Muscle mailing list [EMAIL PROTECTED] http://lists.musclecard.com/mailman/listinfo/muscle _______________________________________________ Muscle mailing list [EMAIL PROTECTED] http://lists.musclecard.com/mailman/listinfo/muscle
